Call reports 2011
ROANOKE VALLEY SAVINGS BANK, SSB — 2011
What ROANOKE VALLEY SAVINGS BANK, SSB reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 43,188,000 | 42,663,000 | 42,612,000 | 42,397,000 |
| Total loans | 21,000,000 | 20,847,000 | 20,505,000 | 20,436,000 |
| Allowance for loan losses | 90,000 | 93,000 | 161,000 | 164,000 |
| Securities available for sale | 2,351,000 | 2,316,000 | 2,301,000 | 2,154,000 |
| Securities held to maturity | 1,392,000 | 2,303,000 | 1,286,000 | 1,238,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,881,000 | 32,306,000 | 32,263,000 | 32,012,000 |
| Interest-bearing deposits | 32,817,000 | 32,212,000 | 32,236,000 | 31,981,000 |
| Noninterest-bearing deposits | 64,000 | 94,000 | 27,000 | 31,000 |
| Equity capital | 9,633,000 | 9,665,000 | 9,629,000 | 9,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 634,000 | 937,000 | 1,217,000 |
| Interest expense | 112,000 | 214,000 | 311,000 | 401,000 |
| Net interest income | 205,000 | 420,000 | 626,000 | 816,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 2,000 |
| Noninterest expense | 171,000 | 348,000 | 536,000 | 694,000 |
| Provision for loan losses | 2,000 | 5,000 | 73,000 | 76,000 |
| Pretax income | 33,000 | 68,000 | 19,000 | 48,000 |
| Income tax | 0 | 0 | -29,000 | -29,000 |
| Net income | 33,000 | 68,000 | 48,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,582,000 | 9,617,000 | 9,597,000 | 9,626,000 |
| Total capital | 9,672,000 | 9,710,000 | 9,758,000 | 9,790,000 |
| Risk-weighted assets | 20,294,000 | 19,925,000 | 19,781,000 | 19,745,000 |
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